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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $16,703 | $56,894-70.6% | $84,753-80.3% | $62,881-73.4% |
| Participation rate | 100.0% | 68.5%+31.5pp | 76.6%+23.4pp | 69.3%+30.7pp |
| Annual return | 7.92% | 6.30%+1.6pp | 22.78%-14.9pp | 20.14%-12.2pp |
| Employer contribution / active EE | $3,517 | $2,400+46.5% | $3,574-1.6% | $2,281+54.2% |
| Participant deferral / active EE | $2,466 | $2,709-9.0% | $3,712-33.6% | $3,203-23.0% |
| Admin fee / account holder | $375 | $3,581-89.5% | $5,333-93.0% | $4,296-91.3% |